Die Separierung von Kompakttarifen in der Pensions- und Lebensversicherung

Compact tariffs are not only used in pension insurance, but also in life insurance. However, in many cases it is necessary to have separate views on those tariffs, since policy management systems developed for life insurance companies are based on tariffs which have separate tariff components, for example. This paper presents an approach which allows an accurate separation of such compact tariffs. After an introduction to compact tariffs and how to separate them, some particulars relevant for life insurance and important aspects with regard to accounting are explained. Finally, an algorithm is presented, which makes it possible to split established contracts up into several tariff components.